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KazamTools

Finance, Tax & Salary Calculators

Plan loans, savings and take-home pay with calculators that show their working. Tax tools state the tax year and official source they use.

401(k) CalculatorProject your 401(k) with your employer match and the 2026 IRS limits built in.Amortization CalculatorEvery payment of your loan, split into principal and interest, with the effect of paying extra.Annuity CalculatorWork out what an annuity grows to, the income it can pay, and how long the money lasts.APR CalculatorThe real yearly cost of a loan once fees and points are included, worked out the way lenders must disclose it.Auto Lease CalculatorYour monthly lease payment, split into depreciation, rent charge and tax, plus what you pay at signing.Auto Loan CalculatorYour monthly car payment, the cash due at signing and the true total cost, including tax, fees and trade-in.Business Loan CalculatorThe payment, total cost and true APR of a term loan or a factor-rate advance, with daily, weekly or monthly repayments.Canada Mortgage CalculatorYour payment the way Canadian lenders work it out, with default insurance and accelerated options.CD CalculatorSee what a certificate of deposit pays at maturity, and what it costs to cash out early.Closing Cost CalculatorEstimate every buyer closing cost and the cash you need on closing day, line by line.Compound Interest CalculatorSee how your savings grow when interest earns interest, with regular deposits and inflation.Credit Card Payoff CalculatorFind out when your card will be paid off, what it costs, and how much a bigger payment saves.Currency ConverterConvert between 47 currencies at today’s reference rate, with the inverse rate and a table of common amounts.Debt Consolidation CalculatorSee whether rolling your debts into one loan really saves money, fees included.Debt Payoff CalculatorList your debts, add what you can pay, and get a month-by-month plan to be debt-free.Debt-to-Income Ratio CalculatorYour front-end and back-end DTI, how lenders see them, and how much room you have left.Discount CalculatorSale price, savings and the true total of stacked discounts, with the working shown.Down Payment CalculatorThe cash you need for a home, the home your cash can buy, and how long it takes to save.EMI CalculatorYour monthly EMI, the real cost with fees, and what a prepayment saves.FHA Loan CalculatorYour FHA payment with upfront and annual mortgage insurance, and how long MIP lasts.Gold Price CalculatorPrice any piece of gold by weight and karat, with making charges and tax.GST CalculatorGST-inclusive and exclusive prices with the CGST, SGST or IGST split, on the new 2025 slabs.HELOC CalculatorYour credit line, your interest-only payment, and the jump when repayment starts.Home Equity Loan CalculatorHow much you can borrow against your home, the fixed payment, and the true cost with fees.House Affordability CalculatorThe home price your income and debts support under the lender rules that matter.Income Tax CalculatorEstimate your 2026 federal income tax, bracket by bracket, with credits and your refund.India Income Tax CalculatorNew vs old regime side by side, with the cheaper one picked for you.Inflation CalculatorWhat money from any year since 1913 is worth today, using the official US Consumer Price Index.Interest CalculatorWork out simple or compound interest on savings, with deposits, tax and inflation.Investment CalculatorProject your investments year by year, or work backwards from the amount you want to reach.Loan CalculatorWork out any fixed-rate loan payment, or how much a payment lets you borrow.Mortgage CalculatorYour true monthly payment, the interest you will pay, and how much extra payments save.Mortgage Payoff CalculatorFind your new payoff date and the interest you save by paying a little extra.Net Worth CalculatorAdd up what you own and what you owe, and see where you stand.Pakistan Salary Tax CalculatorMonthly tax, take-home pay and a slab-by-slab breakdown under the Finance Act 2026.Paycheck CalculatorSee your take-home pay per paycheck and per year, with every deduction explained.Personal Loan CalculatorYour monthly payment, the true APR after the origination fee, and how much cash actually reaches your account.Property Tax CalculatorEstimate your yearly and monthly property tax from your home’s value, your state’s rate and any exemptions.Refinance CalculatorFind out how much a new rate saves each month, when it pays back its costs, and what it saves over the life of the loan.Rent vs Buy CalculatorCompare your net worth after renting or buying, including the money you could invest instead.Retirement CalculatorHow much you will have, how long it will last, and what to change if it falls short.RMD CalculatorWork out your required minimum distribution from an IRA or 401(k), with the IRS table built in.ROI CalculatorMeasure what an investment really earned, and compare investments held for different lengths of time.Roth IRA CalculatorFind how much you can put in a Roth IRA for 2026 and what it could grow to, tax-free.Salary CalculatorTurn an hourly wage into a yearly salary, or a salary into an hourly rate, for every pay period.Sales Tax CalculatorAdd tax to a price or pull it out of a total, with every state’s 2026 base rate.Saudi End of Service CalculatorYour end-of-service award in Saudi Arabia, with the one-third and two-thirds resignation rules.Savings CalculatorPlan your savings: watch them grow, or work out how to reach a goal by a date.SIP CalculatorEstimate what your monthly SIP could grow to, and what you need to invest to reach a goal.Social Security CalculatorCompare claiming Social Security at 62, at full retirement age or at 70, using SSA’s own rules.Student Loan CalculatorYour monthly payment, total interest and payoff date, plus what extra payments and time in school change.Tip CalculatorThe tip, the total and what each person pays, rounded the way you want.UAE Gratuity CalculatorYour end-of-service gratuity under Federal Decree-Law 33 of 2021, worked out day by day.UK Mortgage CalculatorYour monthly repayments during the deal and after it, in pounds, with LTV and overpayments.UK Salary CalculatorTake-home pay per year, month and week, with tax, NI, student loan and pension.VA Loan CalculatorYour VA home loan payment, the funding fee you owe, and what it costs over the life of the loan.VAT CalculatorAdd or remove VAT in one step, with current rates for the UK, EU, Gulf and Pakistan.Zakat CalculatorWork out your zakat at 2.5% with the gold or silver nisab and your own market prices.

Guides

Money calculators that show their working

Each calculator here explains the formula it uses, shows a full schedule or breakdown, and states its assumptions. Tax and salary tools name the tax year they follow and link to the official source, so you can check every number.

Plan a home with the mortgage calculator, compare loans with the loan calculator and EMI calculator, and project savings with the SIP and compound interest calculators. For take-home pay, use the calculators for the United States, the United Kingdom, India and Pakistan. New to a term like APR, amortization or DTI? The finance glossary explains 65 of them in plain words.

How to read the results

Calculators give estimates, not offers or tax advice. Lenders add fees and insurance; tax depends on your full circumstances. Use the results to compare options, then confirm the final figures with your lender, employer or tax authority.

Frequently asked questions

How accurate are these calculators?

They use the standard formulas and current official rates stated on each page, and they are tested against worked examples. Real offers can differ because of fees, rounding and personal circumstances.

Which tax year do the tax calculators use?

Each tax calculator states its tax year at the top and in the sources box. We update them when new budgets or finance acts take effect.

Do you store the numbers I enter?

No. Calculations run in your browser. If you share a result link, the inputs are stored only in that link.

Is this financial advice?

No. The tools are for information and planning. Talk to a qualified adviser before making big financial decisions.